LOB
Live Oak Bancshares, Inc.
NYSE: LOB · FINANCIAL SERVICES · BANKS - REGIONAL
$36.68
-0.45% today
Updated 2026-06-05
Market cap
$1.89B
P/E ratio
15.63
P/S ratio
3.70x
EPS (TTM)
$2.62
Dividend yield
0.30%
52W range
$29 – $43
Volume
0.2M
WallStSmart proprietary scores
74
out of 100
Grade: B
Buy
Investment rating
10.0
Growth
A+5.0
Quality
C+7.0
Profitability
B+6.0
Valuation
B5/9
Piotroski F-Score
Moderate
-0.7
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →202 stocks currently score above 75
Price targets
Analyst target
$42.75
+16.55%
12-Month target
$41.03
+11.86%
Intrinsic (DCF)
—
Margin of safety
—
1 Strong Buy1 Buy3 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 24.60% — above average
+ Free cash flow $85.34M — positive
+ Revenue growth 33.50% QoQ
+ Debt/equity 0.08x — low leverage
Risks
- Altman Z -0.72 — distress zone
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $508.83M | $776.55M | $929.29M | $1.04B | $512.21M |
| Net income | $176.21M | $73.90M | $77.47M | $103.78M | $30.04M |
| EPS | — | — | — | — | $2.62 |
| Free cash flow | $80.73M | $573.23M | $487.16M | $143.49M | $85.34M |
| Profit margin | 34.63% | 9.52% | 8.34% | 9.97% | 24.60% |
Peer comparison
Smart narrative
Live Oak Bancshares, Inc. trades at $36.68. representing a P/E of 15.63x trailing earnings. Our Smart Value Score of 74/100 indicates the stock is good. The company scores 5/9 on the Piotroski F-Score. With an Altman Z-Score of -0.72, it sits in the distress. TTM revenue stands at $512.21M. with profit margins at 24.60%.
Frequently asked questions
What is Live Oak Bancshares, Inc.'s stock price?
Live Oak Bancshares, Inc. (LOB) trades at $36.68, on a P/E of 15.6x and a P/S of 3.7x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Live Oak Bancshares, Inc. overvalued?
Live Oak Bancshares, Inc. carries a Smart Value Score of 74/100 (Grade B), which we rate Buy. That score blends growth, quality, and valuation into one read.
What is the price target of Live Oak Bancshares, Inc. (LOB)?
The 12-month analyst consensus target is $42.75, about 16.5% above the current $36.68. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Live Oak Bancshares, Inc.'s revenue?
Live Oak Bancshares, Inc.'s trailing twelve-month revenue is $512.21M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Live Oak Bancshares, Inc.'s Altman Z-Score is -0.72, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio3.70x
ROE9.71%
Beta1.90
50D MA$37.58
200D MA$35.83
Shares out0.05B
Float0.04B
Short ratio—
Avg volume0.2M
Performance
1 week—
1 month—
3 months—
YTD—
1 year—
3 years—
5 years—